Health care industry

The effect of premiums on the decision to participate in health insurance and other fringe benefits offered by the employer: evidence from a real - world experiment

Article Abstract:

A study on the effect of premium on the decision to enroll in employer health insurance and other benefit plans is presented. The previous estimate of the effects of the insurance was biased due to the presence of unobservable demand or plan quality. In this study the problem is solved by the introduction of three different price regimes. It is observed that workers are insensitive to price in health insurance take up, where as they are sensitive to decisions on taking up dental insurance, vision plans, wellness benefits, etc. therefore the influence of premium subsidies is negligible in increasing the insurance rates of workers who are already having the employer insurance.

Long-term care and nursing home coverage: are adult children substitutes for insurance policies?

Article Abstract:

The availability of long-term care offered by adult children as informal caregivers to their elderly parents might influence the decision to purchase long-term insurance to cover the costs of nursing home services. Additional information on long-term care insurance coverage is included.